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August 16, 2026Journal of Urban Planning and Development

Research on the Impact of FinTech Development on Urban Innovation in China: An Empirical Analysis Based on 282 Cities

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Authors

PQPengsheng QuCMChenyu MengHHHui Hou

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Overview

Panel study demonstrates that FinTech growth promotes urban innovation across Chinese cities, indicating accelerating marginal returns after surpassing specific development thresholds.

Key Points

  • To evaluate the impact of financial technology (FinTech) development on urban innovation and identify potential regional variations and nonlinear threshold effects.
  • Analyzed longitudinal panel data collected from 282 Chinese cities over the period between 2007 and 2020.
  • Conducted empirical analyses examining linear impacts, regional heterogeneity across different city types, and nonlinear threshold models.
  • A 1% increase in the FinTech index is associated with a 4.947% increase in urban innovation.
  • The positive impact is significantly stronger in eastern, coastal, densely populated, and resource-based cities.
  • Identified a nonlinear double-threshold effect where pro-innovation impacts emerge after a development threshold of 4.890 and accelerate significantly past a secondary threshold of 5.727.

Cite This Study

Qu et al. (2026) studied this question.

synapsesocial.com/papers/6a817a01f2fb91fc834ad906https://doi.org/10.1061/jupddm.upeng-6166
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